Combined Enhanced and Annual Stepped Up Death Benefit

Available during accumulation phase. Upon death of owner, benefit will be greatest of - 1) contract value plus enhanced death benefit, 2) total purchase payments adjusted for withdrawals, or 3) annual stepped up death benefit plus enhanced death benefit. Annual Stepped Up Death Benefit is equal to highest contract value calculated on any contract anniversary, prior to owner's 81st birthday, increased by purchase payments and reduced for withdrawals made after reset date. Enhanced death benefit is lesser of - 1) 50% (25% if age at issue is 70 or younger) of contract gain, or 2) 25% (25% if age at issue 70 or older) of adjusted purchase payments. Contract gain equal to contract value less adjusted purchase payments. Please see prospectus for details.